The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$42,665
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,992
−HK$1,349/mo
Today · 4.125%
HK$45,341
baseline
▲ 0.50% · 4.625%
HK$48,099
+HK$2,758/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,682/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,464
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,737
−HK$1,292/mo
Today · 4.125%
HK$50,029
baseline
▲ 0.50% · 4.625%
HK$52,666
+HK$2,637/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,058/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,198
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$52,791
−HK$1,618/mo
Today · 4.125%
HK$54,409
baseline
▲ 0.50% · 4.625%
HK$57,719
+HK$3,310/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$108,818/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,957
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$58,485
−HK$1,550/mo
Today · 4.125%
HK$60,035
baseline
▲ 0.50% · 4.625%
HK$63,199
+HK$3,164/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$120,070/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,731
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,589
−HK$1,888/mo
Today · 4.125%
HK$63,477
baseline
▲ 0.50% · 4.625%
HK$67,339
+HK$3,862/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$126,954/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,450
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,232
−HK$1,808/mo
Today · 4.125%
HK$70,040
baseline
▲ 0.50% · 4.625%
HK$73,732
+HK$3,692/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$140,080/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,797
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,186
−HK$2,427/mo
Today · 4.125%
HK$81,613
baseline
▲ 0.50% · 4.625%
HK$86,579
+HK$4,966/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,226/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,436
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,727
−HK$2,325/mo
Today · 4.125%
HK$90,052
baseline
▲ 0.50% · 4.625%
HK$94,799
+HK$4,747/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,104/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,650 · Scale 2, in force from 26 Feb 2026)